A Workers' Compensation Ghost Policy and Accident Policy in a packaged offering

Our most popular package is a Workers' Compensation Ghost Policy designed for sole proprietors and one-person businesses who need proof of insurance to work, but don't want to pay for the workers' comp coverage. Our Ghost Policy package includes an Accident Policy with 24-hour coverage in case you get hurt, and it's still less expensive than most assigned-risk plans. Learn more about our program and Get a Ghost Policy Quote to see if you qualify.

We specialize in helping Sole Proprietors (and one-person businesses such as One-Person LLC's and One-Person S-Corporations) get the right Workers' Compensation insurance they need.
Are you a sole proprietor looking for affordable Workers' Comp? Get a workers' comp quote today.

ELIGIBLE BUSINESS ENTITIES - Proposed insured must be a Sole Proprietor, One-Person LLC or One-Person S-Corporation. Contractor class codes with a One-Person S-Corporations business entity are not eligible.

Select a state to view our Ghost Policy Program coverage and highlights.

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What makes it easy?

It's Paperless

Everything is electronic, which makes the process faster. And you can do it from anywhere.

Same Day Processing

There is no waiting period; The Ghost Policy and Accident Policy are active immediately.

It's hassle-free

There are no mid-term audits, which are usually a big hassle for everyone.